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Craig Insurance Group Inc

309 W Millbrook Rd, Suite 151
Raleigh, NC 27609

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Benefits of Flood Insurance

Regrettably, floods being the most prevalent natural disaster in the U.S.A, it’s unfortunate that protection for losses from flooding is not covered in standard homeowners and renters insurance policies. North Carolina is frequently vulnerable to flooding, including seasonal heavy rains and hurricanes annually. Coverage for flood damage in North Carolina is generally available under a separate policy given through the National Flood Insurance Program(NFIP). As a Raleigh, NC resident, it’s paramount to forge a contingency plan to prepare for any eventualities. Connect with our agents at Craig Insurance Group situated in Raleigh, NC to get a good coverage design to meet your needs and budget.

Is flood insurance mandatory in North Carolina?

North Carolina law doesn’t demand residents to carry flood insurance. Nevertheless, suppose your home is situated in an area designated by FEMA as a flood-prone area. In that case, you may be required to procure flood coverage to be eligible for a mortgage-backed by the federal government. Therefore, it is paramount to consider acquiring flood insurance even if your home isn’t considered as high risk of flooding. Buying flood insurance from Craig Insurance Group can be beneficial in the following ways:

Protect your property

Are you aware that even one inch of water can propagate damages worth more than $25,000 to your dwelling? Statistics from the Federal Emergency Management Agency show that 20% of flood claims emanate outside designated flood zones. Given that your home is one of the precious assets you own, it requires prolific protection from flood damage to avert exorbitant repairs out of pocket. Flood insurance also safeguards your walls, roof, floor, and other permanent fixtures in your dwelling when floods strike.

Protect your loved ones

Home is a haven for your family. Unfortunately, flooding can relegate your family to homelessness or renting a house. If you value your dwelling and your loved ones, procure magnificent flood insurance to protect them from the devastating effects of flooding.

It accords you peace of mind.

The weather is an unpredictable situation. Floods can occur abruptly without any prior warning, propagating substantial damage to your apartment and your belongings. Every time there is a looming storm, discard these worries, obtain spectacular flood insurance for inner peace of mind.

Regrettably, many residents of Raleigh, NC have the misconception that home insurance covers flood-related damages. Yet, they realize how powerful flood insurance is after the worst happens. Contact or visit us at Craig Insurance Group offices to avert these stress-stricken moments after a flood.

Life Insurance Isn’t Just For the Elderly

Many people believe that life insurance is only important for the elderly, but the truth is, having life insurance at any stage of life can give the insured and their beneficiaries unparalleled peace of mind. 

There are many reasons why people of all ages should carry life insurance.  The team at Craig Insurance Group in Raleigh, NC can answer your questions and help determine what plan fits your circumstances the best. Unexpected illnesses and accidents are a sad fact of life. Here are some basic reasons why life insurance is so vital for people in early adulthood or middle age:

  • You are getting married and starting a family: More likely than not, your spouse and children rely on your income.  If you pass away, the benefits of a life insurance policy can help pay bills, removing undue financial stress from your family
  • You are incurring large debts on items like cars and houses: Life insurance benefits could help your loved one pay off cars, homes, and even student loans or other debt
  • You don’t have funds set aside to cover funeral expenses: Life insurance can solve this problem for your family and take a huge financial burden off their plates
  • Your employer might not offer sufficient coverage: Many employers offer life insurance. However, this coverage is likely to be minimal, these policies also end when your employment does.  Having an individual policy will guarantee consistency and that you have coverage that is sufficient for your needs. 

If you don’t have life insurance and want to learn more about the options available, or even if you do have life insurance but think you need to make some adjustments, contact us at Craig Insurance Group in Raleigh, NC. 

What can happen if I do not have auto insurance?

Those that are in the Raleigh, NC area will enjoy the great economy and variety of local amenities. If you are looking to maximize your experience in this community, owning a car is a great option as it will make it much easier for you to get around. Along with purchasing a vehicle here, you also need to get insurance for it. If you do not have proper auto insurance here, you could face a few different setbacks.

No Protection for Vehicle

If you do not get an auto insurance plan when you are in North Carolina, you will first be disadvantaged by not having protection for your vehicle. A vehicle can cost someone a significant amount of money to purchase and maintain. At the same time, it is something that you will rely on to get around the community. If you do not get proper coverage for it, you could lose the vehicle and not have a way to replace it if there is a bad accident or it is stolen.

Violation of Law

If you are not actively insured and drive your vehicle around North Carolina, you could also find yourself in violation of state law. Anyone that wants to drive here needs to carry liability insurance at all times to comply with the law. If you do not have this coverage, you will face various penalties. 

Having an auto insurance plan continues to be a necessity for people in the Raleigh, NC area. If you would like to get an insurance plan here, calling Craig Insurance Group can be a great option. The team with the Craig Insurance Group understands how important this coverage is, and they can offer the support needed to understand your options and choose a plan. 

Renters’ Insurance for Any Rented Home

If you rent a home, it doesn’t matter which type of home it is. You need renters’ insurance. Many people think about renters’ insurance when they rent a house, but it’s also important to have it for apartments, condos, trailers, and more. If you don’t yet have renters’ insurance, contact us at Craig Insurance Group in Raleigh, NC.

Protect Your Belongings

One of the types of coverage included in a renters’ insurance policy is coverage for your possessions. All of the items inside your rented home are insured when you have a renters’ policy. The best practice is to create an inventory of what you own and keep it in your rented home soon after moving in. This can be done by making a list of all of your major possessions and filming yourself going from room to room so that there is a video record of what you own.

Protect Your Home

Another type of coverage included in a renters’ policy is protection if something should happen to your home that renders it uninhabitable. Several disasters, accidents, and calamities can happen that leave a rented home unlivable. If this should happen, your renters’ policy will pay for you to move to a different residence while yours is being rebuilt or repaired. This protects your standard of living. 

Protecting Your Finances

Renters’ insurance also contains some protection against your liability. If someone comes to your home and gets sick or injured, this insurance will pay for their medical bills and lost wages. This keeps you from being sued in the event of an accident or illness. 

Get Your Renters’ Insurance Policy

If you rent your home and don’t yet have the renters’ insurance policy you need, call us at Craig Insurance Group in Raleigh, NC.

Do I Need Boat Insurance All-Year-Round?

If you live in Raleigh, NC, you might find it fun enjoying the waters with a boat, Jet Ski, and anything in between. Amid the excitement of water activities, you need to purchase proper boat insurance from Craig Insurance Group to protect your prized asset. 

Most boaters enjoy boating activities during hot months. During winter, it’s not unlikely to find most water vessels parked in garages. That said, many boaters wonder whether they should cancel their boat insurance when not in use. If you want to find out, keep reading.

Do I need boat insurance all year through?

If you are a boat owner, you might ask yourself: should I carry boat insurance all year through? Isn’t it expensive? While the boating season might be over, here are reasons you need to have boat insurance throughout.

  • It’s required: While boat insurance isn’t mandatory in North Carolina, if your boat is loan-financed, your lender may require you to carry boat insurance until you finish paying off the loan.
  • Risks still exist: Yes, you are not in the water, but risks can still occur. Even though your boat is parked in the garage, perils like fire, vandalism, and theft can still strike. While you may have home insurance, it only provides limited protection to your boat. Home insurance protects your boat while it’s within your property, and it doesn’t offer all-around protection like boat insurance.
  • Saves you on boat insurance premium: Nobody likes paying out money. However, we can lose while trying to save. The case and point are trying to cancel your boat insurance during the off-season only to reactivate during hot seasons. This trend may become more expensive than carrying boat insurance throughout. Why?

Most insurance companies will reward you with a free deductible for every claim-free year. Others may reward you with discounts for carrying boat insurance all year through. Unfortunately, you won’t enjoy these incentives if you cancel your insurance halfway. 

Boat insurance in North Carolina

Because risks don’t have off-seasons, you need to carry boat insurance from Craig Insurance Group throughout the seasons. Contact us today for an unbeatable quote.

RV insurance 101

If you’re a resident of Raleigh, NC, and own a recreational vehicle, you need to make sure that you have RV insurance from Craig Insurance Group. This insurance coverage will protect you from high out-of-pocket costs in case of an unexpected disaster. Unfortunately, many recreational vehicle owners do not have a basic understanding of RV insurance, which explains why they do not have this critical coverage. 

How Does RV Insurance Work?

Like any other type of insurance policy, RV insurance helps you deal with the cost of property damage and bodily injuries when you are involved in an accident. It can also help you to address some RV breakdowns. Your RV insurance policy should protect you from almost all risks that you encounter while driving your vehicle or when it’s parked. 

Why is RV Insurance Important?

Due to the significant investment you have made in buying a recreational vehicle, you need to have an insurance policy that protects your asset. You cannot let it run without the guarantee that you will be safe from financial losses no matter what happens. Another issue of importance is that an RV is a massive vehicle, which means that it is likely to be involved in fatal accidents requiring colossal compensation. You need to know that you’re covered against hefty claims.

Is RV Insurance Required?

Like auto insurance, every state demands that you have liability insurance to cover damages you’re responsible for. However, the minimum liability that needs to be covered differs depending on the state.

If you have just bought a recreational vehicle in Raleigh, NC, you may not have a basic understanding of how RV insurance works in this state. At Craig Insurance Group, we are willing to walk you through this new journey and give you a policy that will meet your liability and financial needs.

What Does Umbrella Insurance Cover?

Most insurance coverage options only cover you up to certain existing limits. This means that there are specific limits that such plans may not cover. So, what do you do in case you need a plan that covers you beyond existing insurance limits in Raleigh, NC? Well, this is why umbrella insurance from Craig Insurance Group exists. 

What Is Umbrella Insurance Coverage? 

An umbrella insurance policy is a plan that offers the insured protection beyond existing limits. This option goes the ordinary to provide insurance coverage for instances of injuries, property damages, and specific lawsuits that exceed the scope of typical insurance coverage. 

Umbrella insurance cover often takes over, where most other insurance plans leave off. The policy makes you indispensable when you find yourself liable for a claim more significant than your insurance.     

Benefits of Umbrella Insurance Plan

You could be wondering what the fuss around umbrella insurance is all about, right? Well, this insurance option provides some key benefits, which most people don’t know about. Here are some key advantages. 

Cheaper Than Most Other Options

Compared to other personal insurance options, umbrella insurance is cheap. This is a unique aspect considering that umbrella insurance offers an extended plan. 

It’s Comprehensive

Most personal plans only cover the policyholder. However, when you consider umbrella insurance, you get coverage for members of your family and household. The plan also protects third parties. 

Get Coverage for Your Property and Beyond 

No insurance coverage can guarantee you protection for your property and beyond. This is more so considering the existing limits salient in most plans. However, our umbrella insurance plan at Craig Insurance Group offers more than what’s ordinary. 

Are you a resident of Raleigh, NC, and wonder where to get reliable umbrella insurance coverage? Contact our team at Craig Insurance Group today for reliable advice and coverage. It’s time to get covered.

Is flood insurance needed in North Carolina?

The Raleigh, NC area continues to be listed among one of the fastest-growing cities in the country. Along with this, owning real estate in Raleigh could be a great option for anyone that lives in the area. Those who will purchase a home in this area of the state need to make sure that they get the right insurance. One type of insurance that all people here need to get is flood insurance. There are a few reasons why flood coverage is needed here.

Mortgage Lenders Often Require Coverage

A lot of people in this area of North Carolina will need to get flood insurance because mortgage lenders often require it. A mortgage lender will want to know that your home, and their collateral, has proper protection at all times. If you are in a flood zone, they will require that you get flood coverage to protect the property and mitigate this risk.

Flood Insurance is the Best Form of Coverage

You will also want to get flood coverage because it is the best protection you can get. If you are concerned about flood damage in your area, flood coverage is the only way to protect your home fully. With this protection, you will know you will have support if your home is damaged due to floodwaters. 

People who are shopping for flood insurance in the Raleigh, NC area need to ensure that they are properly secure and protect their homes with the right type and level of coverage. Since picking this type of insurance can be complicated, it would be good to speak with the Craig Insurance Group when you are looking for your next policy. The Craig Insurance Group team can help you understand your options and choose a policy that is right for you. 

Things To Consider While Researching Life Insurance Policies

For over 12 years, Craig Insurance Group has helped the Raleigh, NC community find the insurance coverage they need to protect what matters most. We are committed to establishing long term relationships with all of our clients. We will help you assess your coverage options.

Life Insurance

Life insurance allows you to start planning for the future when you will not be around. While it’s uncomfortable to think about, you have to establish a plan for how you would like your assets transitioned after you pass away. Life insurance can help ensure a smooth transition after you pass away and help alleviate some of the stress that your loved ones may feel managing your estate. You’ll have to sit down and figure out which policy is best for you, considering your situation.

Whole life policies provide coverage for an extended time period. Term life policies provide coverage over a specified period of time. You can add coverage for intervals normally between 10 and 30 years. Variable life insurance policies are flexible and provide more options for growth. Universal life insurance also provides flexible policy options and gives you more control over how you would like things handled.

As you research different policies, you have to assess your personal situation. If you are single right now, you have to think about if you would like to start a family in Raleigh, NC one day. Even if you choose not to start a family, life insurance will still help your loved ones manage the aftermath of your passing. If you have already started a family, you will have to think about the legacy that you would like to leave behind for them.

Craig Insurance Group Will Help You Plan For The Future

For more information on life insurance, visit our website today!

3 Tips for First Time Auto Insurance Buyers

Becoming an independent driver is a milestone for many teenagers in Durham and Raleigh, NC. Even if you decided to wait to buy your first car, the thrill is the same. The sun is shining, the window is down, and your favorite song is playing on the radio. But wait…did you buy your auto insurance yet?  Before you can register and drive the streets and highways of North Carolina, you’ll need to secure an auto insurance policy through an agent like Craig Insurance Group. If you’re wondering what that entails, we’ve laid out the process in three easy steps.

Work with a Reputable Agent

The first step is to reach out to a friendly, reputable agent at Craig Insurance Group. We are here to answer all your questions and guide you through the auto insurance buying process. Once you get started, you’ll see just how easy it is. There’s no pressure, simply a reputable agent giving you knowledge and information to make an informed decision. 

Compare Quotes

Next, you and a reputable agent will compare several auto insurance quotes. Together you can compare cost and coverage and determine which policy is right for you. Take notes, if you like, and take your time making a decision. There’s no rush. 

Bundle Your Policies

Finally, if you have any other insurance policies, like home or life, you can bundle these under one carrier to save on your premiums. Ask your agent about this. 

Are you ready to purchase your first auto insurance policy? To learn more, contact our team in Raleigh, NC today at 919-772-5202 or 919-544-8484. Our agents are standing by, ready to take your call. 

Partner Carriers

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